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Missed Credit card payment despite 7 day switching service in place
Hi, I was wondering if anyone had any suggestions. I've recently switched bank from Santander to Yorkshire Bank on the 7 day switching service which is supposed to guarantee all direct debits etc change over I have just found out the credit card DD didn't go which was due on the 4/5/16. I have rang up santander who i have…
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Chip & Signature Less Secure?
So, my credit card company sent me a Chip & Signature card instead of my usual PIN one... Am I right to complain and ask for a PIN one instead, on the grounds of it being less secure? Or an I missing something?
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Paying off car finance with credit card
Hi I'm looking for some advice on paying off my car finance as I’m currently paying monthly and coming to the end of the PCP with a balloon payment of £3,800 due in July 2016. I originally opted for PCP as I'd planned to change the car every three years but my situation has changed now and I no longer need a car. I can't…
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Amex direct debit
I've recently started using the platinum everyday cashback card and all is fine. Only thing is the direct debit is being taken out nearly two weeks before the due date, not the end of the world but seems to be taking the mick a bit on the up to element of the interest free period. Just wondered if anyone had noticed this…
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Natwest/RBS Black credit card
Does anyone have the card, would it be possible to confirm that it's a MasterCard World Elite card (from the image on card page, it is) and if it is do you get the standard benefits of airport lounge access, concierge as well as status recognition that come with MasterCard World Elite? I ask as the card page talks about…
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Santander cc worth it?
Hi all, I reieved a letter and saw that santander offer 3% on travel and various other cashback on thier cc, i spend 125 a month on travel so already make the 3 fee back easily.. Plus 0% on purchases and balanace transfer for 23 months. I just remember after being accepted yesterday after probabtion i will likely be…
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Credit money transfer / car purchase
Hi, Wasn't too sure if this was a credit or loan forum post but the main query is a credit card one. Planning to replace a car, new(er) one about £15,000. Trade in of old one should be about £6000, I can put in £5000 cash leaving £4000 to find. Normally I would wait and save as I avoid credit at all cost but I am after a…
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New balance transfer deal on existing card
Hi folks, I have a card that currently has a balance transfer balance on it (at 0%) It is being paid off each month by direct debit and will be cleared by the time the interest free period ends. I've received an offer from them for a new 0% balance transfer deal and I was wondering If I take up this offer before the 0%…
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Braclaycard Amex/Visa Duo
There is no mention of the existence of the Barclaycard Amex/Visa duo cards anywhere on their website. Does anybody know if it is still possible to exchange an existing Barclaycard Platinum for this product?
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Need adivce about section 75
Under section 75 it says things about paypal making you lose your rights and the card company can refuse to pay out, however if paypal was used to recieve funds without you knowing on a purchase, and only to be found out after purchase, what can you do?
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Calculating 8% statutory interest.
Does anyone know the formula for calculating the 8% statutory interest on a debt? I'm starting court action against a credit card company. Between Sept 2011 and April 2015, they charged me £201.94 in interest payments. In order to calculate my total claim against them, I need to add the 8% interest that I should be…
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Advice with Buy Now Pay Later at VERY
Hi all, please excuse me if I've not posted this in the best forum... I need advice: :mad: Last May I purchased a washing machine £185 from Very - Buy Now Pay Later, interest free for 12 months. Then last September I purchased a fridge freezer on the same account, again BNPL for 12 months. It cost £230 Along the way I have…
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0% purchase card
Hi everyone , i have a very account which i am paying interest on each month so thought of getting a 0% on purchases credit card 24 months so i could pay off my very account and split my payment over the 24 months. Does anyone know if this is classed as a purchase or if i pay it off will i be charged differently on my…
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Credit card- a way to avoid cash advance fees?
Good afternoon, I have a question that may seem a little odd, but please bear with me… Is there a way to use a credit card like a debit card? For example, when getting foreign currency/ topping up a shares account/withdrawing cash etc, the use of a credit card would usually be considered a cash advance- expensive & not a…
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MSE News: Free £30 M&S voucher up for grabs with 19mth 0% spending card
Spend just 1p on this 0% credit card and you'll get a £30 M&S voucher, and access to a decent 0% deal too...Read the full story: 'Free £30 M&S voucher up for grabs with 19mth 0% spending card Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
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Section 75 claim
Hi, sorry if this is not the correct place. We began a section 75 claim against Aqua in January. We had to provide all the relevant documents and such and finally had to get an independent report on the furniture we purchased. This confirmed we were mis-sold out sofas as they are not 100% real leather as described in the…
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Multiple balance transfer question
I have 2 cards MBNA and Barclaycard. I had 0% promo on both which has recently expired but currently have an offer for 0% for a year on any transfers made for the whole of this month for both cards. My MBNA card has 900 available with 10000 limit and Barclaycard about 2600 with 5000 limit. Can I just shuffle the balances…
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A couple of credit card questions
Hi, Could I ask for advice on the following please? 1) Received a letter yesterday from Post Office Money saying that I had missed a payment, on checking I found that it was true. Reason was that they sent me an email a couple of weeks ago inviting me to register for on-line banking, in order to get the necessary details…
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Am I correct? MBNA promotional offer 5.9% for life of transfer
Hi, I am looking for some advice, I have been offered apromotional rate of 5.9% for money Transfers to my bank account from my existing MBNA creditcard if taken before the 31st of May.This rate is for the life ofthe money transfer. My balance is currently sitting at £2700 with a £3400 limitand I’m currently paying 29% p.a…
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Shop Direct over limit, never missed a payment
Not sure is this is the correct board or not, so apologies if it's wrong. I have an account with Shop Direct (very.co.uk) and I haven't made a purchase on it for nearly a year, last August was the last purchase. I have a direct debit setup to pay just the minimum every month as I have other priority debts to clear first.…
